Chartered Financial Services, LLC

Chartered Financial Services, LLC Financial advisor serving Warren and beyond with comprehensive wealth management services, helping you craft custom strategies for your financial future.

Licenses & State Registrations



Chartered Financial Services conducts business in the following states:




Life Insurance: AZ, CT, DC, FL, GA, IL, MA, NC, NH, NJ, NY, PA, TN

Property & Casualty Insurance: AZ, CA, CT, DC, FL, IL, MA, ME, MI, NJ, NY, OH, PA, TN, TX, VA




CA Insurance License


"Prudential Advisors” is a brand name of The Prudential Insurance Company of America and

its subsidiaries. Life insurance and annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. The availability of other products varies by carrier and state. Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status, or any other characteristic protected by law. EEO IS THE LAW. The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential is an Employer that participates in E-Verify.

Financial planning is about more than numbers.At Chartered Financial Services, we believe successful planning begins wit...
08/31/2026

Financial planning is about more than numbers.
At Chartered Financial Services, we believe successful planning begins with understanding your goals, values, and vision for the future. That's why we focus on building lasting relationships with the individuals and families we serve.

Meet our team and learn our story: https://cfs-planning.com/our-story/

Caring for both children and aging parents can stretch more than your budget. It can affect your time, career goals, ret...
08/26/2026

Caring for both children and aging parents can stretch more than your budget. It can affect your time, career goals, retirement savings, and overall financial future.
📖 Read the full blog for insights on the realities of caregiving and strategies to help prepare for the road ahead.

Members of the sandwich generation report it can consume hours, while limiting career choices and retirement savings. Tax breaks may cover only a fraction of the cost.

Who would you trust to manage your finances if you couldn't? A power of attorney can provide valuable protection, but it...
08/17/2026

Who would you trust to manage your finances if you couldn't? A power of attorney can provide valuable protection, but it's important to understand exactly what authority you're giving and to whom.
📖 Read the full blog to discover how to safeguard your finances and make informed decisions about your estate plan.

Powers of attorney are powerful estate planning tools, often signed without full consideration, yet they carry significant risk of abuse.

Big financial progress often starts with small, consistent actions.Simple habits such as increasing savings, reviewing b...
08/14/2026

Big financial progress often starts with small, consistent actions.
Simple habits such as increasing savings, reviewing beneficiaries, or revisiting your investment strategy can create meaningful long-term results over time.

Discover how thoughtful planning can support your goals: https://cfs-planning.com/financial-planning/

08/12/2026

Turning 65? Medicare decisions may be closer than you think.

Understanding when to enroll, the differences between Original Medicare and Medicare Advantage, and how costs are determined can help you avoid unnecessary penalties and make more informed healthcare decisions.

Watch our latest video as we break down the Medicare basics and share key considerations for choosing the coverage that's right for you.

📺 Watch now: https://youtu.be/jtO5yrIZKYkFB

Think financial planning only matters when retirement is around the corner?Financial planning supports every stage of li...
08/10/2026

Think financial planning only matters when retirement is around the corner?

Financial planning supports every stage of life. Whether you're building wealth, preparing for retirement, managing risk, or thinking about your legacy, a comprehensive strategy can help bring clarity and confidence.

Explore our financial planning services: https://cfs-planning.com/financial-planning/

You’ve spent years preparing financially for retirement, but have you thought about how you’ll spend your time? With lon...
08/05/2026

You’ve spent years preparing financially for retirement, but have you thought about how you’ll spend your time? With longer lifespans and decades ahead, having a vision for retirement may be one of the most important plans you make. 📖 Read the full blog for insights on finding purpose, staying engaged, and making the most of your retirement years.

Workers often focus solely on their retirement savings balance. But figuring out how you want to spend the rest of your life could be job No. 1.

08/04/2026

Your financial life is unique. Your plan should be too. 📈✨

Whether you're growing your wealth, protecting your family, or planning for retirement, we're here to help you move forward with confidence.

🎥Check out the full video to learn more about our approach: https://youtu.be/W7SSjOWyYao?si=EnH5oxHxU9uAWb-l

We're already more than halfway through the year. Have you checked in on your financial plan?Life doesn't stand still, a...
08/03/2026

We're already more than halfway through the year. Have you checked in on your financial plan?

Life doesn't stand still, and neither should your financial strategy. A mid-year review can help ensure your investments, retirement goals, tax planning, and long-term objectives remain aligned with where you are today.

Learn more about our personalized planning approach: https://cfs-planning.com/

Spending your savings in retirement can feel… a little weird. You worked so hard to build it, now you’re supposed to act...
07/31/2026

Spending your savings in retirement can feel… a little weird. You worked so hard to build it, now you’re supposed to actually use it?

A recent Forbes article breaks down a few simple ways to feel more confident about spending in retirement, so you can stress less and actually enjoy what you’ve built!

Here are three ways to get there. 👇

Take the time to reduce your anxiety about spending money in retirement, and you’ll feel better about spending money on things that make you happy.

Address

30 Technology Drive, Ste 1Q
Warren, NJ
07059

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18005496007

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